This is a FREE Insurance Claim Guide

Your "Motor Vehicle" can be a truck, car, motorcycle - - you name it! If it's powered by a motor and has one, two, three, four (or even more) wheels this "Guide" is for you.

The information below is a bare-bones "Guide" for those who have had such a motor vehicle accident. It details the basics of how one should with their property damage and/or personal injury claim.

AFTER IMPACT CHECKLIST

We heartily suggest you make a copy of this "Impact Checklist" to be kept handy within the confines of your motor vehicle. A "Guide" to refer to so you'll be certain, should an accident take place, that you've covered everything.

Other than the fact that one must obtain from the other operator, both their drivers license and motor vehicle registration information, you should also proceed to do the following:

IMMEDIATELY MAKE SPECIAL NOTE OF: Names and addresses of eye witnesses. And later the investigating police officers name and badge number. WEATHER CONDITIONS: Snow, rain, fog, mist, sleet, etc. ROAD SURFACE: Dry, wet, slippery, icy, etc.IMPACT AREA: City, suburban, business, wooded, etc. VISIBILITY: Sunny, cloudy, dusk, night, moonlight, etc. (Was the sun in the other driver's face)? TRAFFIC CONTROLS: Were there overhead lights? Posted speed limit signs? Stop or warning signs? Hospital or school zone signs? CREATE A DIAGRAM: Driving area: Flat, crowned, straight, curved, macadam, asphalt, concrete, cobblestone, dirt, etc. Indicate the width of street. Show the location of impact, gouge and/or skid marks. CONDITION OF MOTOR VEHICLE THAT STRUCK YOU: Age and general overall condition. Is their state inspection sticker displayed and up to date? Were chains or snow tires needed? AS SOON AS POSSIBLE RETURN TO THE SCENE AND SNAP PHOTOGRAPHS: It's most important to take pictures of: Skid or gouge mark's on the road surface plus the damage to both vehicles. PHOTOS OF YOUR BODILY INJURIES: It's crucial to the ultimate value of your claim to snap a multitude of colored photos (up close and from different angles) of your bodily injuries - - especially all black and blue marks or bruises.

INSIGHTS INTO HANDLING YOUR CLAIM (There Are Six Areas You Must Be Familiar With) 1. Out-Of-Pocket Expenses 2. Lost Time From Work - Lost Wages 3. Property Damage Losses 4. What Your Medical Doctor And/Or Chiropractor Reports Should State 5. Medical Payments Coverage 6. What To Do If An Adjuster Refuses To Cooperate

You Should Go Into Detail Regarding These (Below Listed) Six Areas:

(1) OUT-OF-POCKET EXPENSES:These are expenses that can be measured in definite sums of money. They are the foundation of the calculations used to award damages (including that often great and extra amount paid to you for your "Pain and Suffering") regarding any financial loss flowing directly from the injury you may have sustained.

MEDICAL EXPENSES: Obtain all bills and services rendered. (Prior to their being sent out, you have ever right to ask for and read the crucial Final Reports regarding your physical condition from your Doctor, Chiropractor, "Medical Specialist" and/or Dentist).Medical Expenses Typically Include: Ambulance ~ Emergency Room ~ Hospital or Clinic ~ Laboratory Fees and Services ~ Diagnostic Tests: (X-rays and/or CT Scan) ~ Registered or Practical Nurse Fees ~ Medicine and/or Prescription Medications ~ Prosthetic Appliances or Surgical Apparatus (Canes & crutch, etc.) ~ Physical Therapy ~ Ace Bandages, Gauze & Tape ~ Heating Pads ~ Creams, Ointments, Balms & Salves. As you read them make sure these Medical Reports include the length of time of your "Total Disability" and/or your "Partial Disability". These are of enormous value because they justify the often HUGE, extra payment made for your "Pain and Suffering" . (Plus this information will also prove your claim for Lost Wages).

NON-MEDICAL DAMAGE EXPENSES. These include: Lost Wages and Earnings ~ Lost Vacation Time and/or Sick Leave ~ Travel Expenses: (Transportation costs incurred getting to and from The Doctor and/or Hospital, etc.) ~ Household Help During Disability ~ Child Care During Recuperation.

(2) LOST TIME FROM WORK - - LOST WAGES - - YOUR "LOSS EARNING CAPACITY": The weeks, hours and/or days you were unable to work (thus the money you may have lost) is added up and documented on company letterhead. You're often entitled to compensation for "Lost Time and Earnings" even if you have no actual loss of money ! Such as, for example, if your salary is paid by some other insurance coverage you may have or by taking sick leave or some other similar arrangement. It doesn't matter if you're employed full time, part time, self-employed, own your own business, retired, unemployed, or a housewife not employed outside the home, you should keep a written record of all household help and/or child care needed during your disability period.

All of these constitute an element of your "SPECIAL DAMAGES" mainly "Lost Wages". Insurance companies usually don't view your time away from work (because of an injury) as "Lost Time And Earnings" but as "Lost Earning Capacity". In most states one is entitled to compensation for lost time and earnings even if they have no loss of money. For example, when your salary is paid for by another insurance coverage you have or by taking sick leave and/or some other similar type of arrangement. There are specific situations to be considered and called to the forefront when it comes to being employed either full-time or part-time. More detailed information (regarding these above stated area's of your loss) are found in CHAPTER FOUR "Damages" within the book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.

(3) PROPERTY DAMAGE LOSSES: "AGREED COST TO REPAIR": This figure has been negotiated between your damage repair person and the insurance adjuster. Be sure you know (and possess a written copy of) exactly what that figure is.COLLISION: There's usually a deductible. Read your policy. (If you're not at fault you should eventually be able to get this money back).PROPERTY DAMAGE LIABILITY: Protects you for damages you do to the property of another (i.e. his or her trees, lawn, shrubs, mailbox, etc.) EXCLUSIONS: These are stated in your policy. A good rule of thumb is, "If it's not excluded, it's covered". Read your policy closely to discover your exclusions and how they apply. TOTAL LOSS: A "Total Loss" is when the motor vehicle damage exceeds the value of the vehicle, as stated within all of the up-to-date and "Official" Property Damage books and/or documents. OTHER PROPERTY DAMAGE LOSSES: Clothing, jewelry, watches, eye or sunglasses, etc. You can also collect for your (or any other individuals) personal property which happened to be in the car and was damaged. (Be sure to have written proof of the cost of each item damaged plus the date it was purchased). Never forget: You're entitled to be reimbursed for any charges you may have incurred for towing, storage and/or substitute motor vehicle rental, or for that matter - - any other alternate transportation.

The above is a very brief review. For more in-depth information read CHAPTER FIVE: PROPERTY DAMAGE found in AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.

(4) WHAT YOUR MEDICAL DOCTOR AND/OR CHIROPRACTOR REPORT SHOULD STATE: Each "Injury Evaluation Factor" should be clearly stated within each of your final Medical Reports. For example: That your disability is solely the result of the accident. If there were any pre-existing conditions aggravated by your injuries? What treatments were administered and for what duration? What medications were prescribed, in what amounts and for how long? What symptoms or medical problems were such medications meant to relieve? Were there any adverse reactions demonstrated? Ask to read them before they're sent to the adjuster so you're sure it explains the nature, plus the extent and frequency of the pain that an injury, such as yours, will likely cause.

PROGNOSIS: This is the clearly stated information (regarding your personal injury progress) and should include: The part played by a pre-existing condition, if any? Their prediction of any possible future temporary disability/impairments? Does the individual attending you anticipate any further or future treatments? LENGTH OF YOUR "TOTAL" DISABILITY: Why? Because it's so important (when it comes time to settle) this is clearly stated in weeks and days. LENGTH OF YOUR "PARTIAL" DISABILITY: Again (and for the same reason as above) this too should be clearly stated in weeks and days. (Specific details, regarding both "Partial" and "Total" Disability , and the incredible value it provides for you in your claim, are found in CHAPTER SIX: YOUR BODILY INJURY).

(5) MEDICAL PAYMENTS COVERAGE: If you have this coverage in your motor vehicle policy, it will pay (up to the limits stated) for all medical bills arising out of the accident - - regardless of who's at fault! (You must read your policy carefully because the "Who", "Why" and/or "How" of this often differs).

A WORD ABOUT HEALTH INSURANCE PLANS: In certain instances, it may be possible to have your medical bills paid and yet avoid any repayment by tapping into your health insurance coverage, or some other plan you may have. (Yes, this means, under certain circumstances, you may be able to collect twice for the same medical bills)!

(6) WHAT TO DO IF THE ADJUSTER REFUSES TO COOPERATE? These Are Your Usual And Routine Choices: a. Threaten that you're going to obtain the services of a lawyer to represent you. b. Go over the adjuster's head. c. Resolve your loss in Small Claims Court. d. Contact the proper people (working through the State Department of Insurance) implementing the time honored principle of "Good Faith" vs. "Bad Faith".

All the information necessary for you to deal with and handle the above issues are spelled out within the contents of AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Formula). THE BASE FORMULA will tell you exactly how many dollars the "Pain and Suffering" you endured are worth.

DISCLAIMER: The only purpose of this article is to help people understand the motor vehicle accident claim process. Dan Baldyga, does not offer a guarantee of any kind whatsoever, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUALS RESPONSIBLY to obtain such services.

Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved.

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Some of the best-selling models by the fashion brand are:

• Ladies Seksy Curve Watch 4009: This model has a very interesting bracelet look to it. It comes with Swarovski crystals studded on one side of the dial and runs across the metal strap. The metal strap can be adjusted in accordance to the size of the wrist. This beautiful timepiece would compliment everything that you wear.

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With a history of over one hundred years, the Seiko watch is one of the most recognized watches in existence today. In Japanese, the word Seiko is translated to mean "success", which is exactly what has transpired with Seiko and its products. In 1924 the first Seiko brand watch was produced. Seiko's "Astron", a quartz watch which cost about the same as an automobile was introduced in 1969. It followed with its chronograph watch.

By this time Seiko was building a reputation for its accurate time keeping, where it was best known for its wristwatches and advanced technology. In addition, its entire line and accessories such as oils and compounds used in the production of Seiko watches were being produced in-house. Even though it was already well known on the international market, Seiko watches were worn by "007 actors" Roger Moore and Sean Connery giving this exquisite time piece even further world wide recognition.

In 2005, Seiko introduced its spring drive which is intended to provide up to seventy two hours of power rather than their usual forty hours. In favor of a Tri-synchro regulator, it replaces the previous balance wheel escapement. Spring power turns the wheels and generates power for the oscillator.

By today's standards, Seiko is known for its efficiency, accuracy, dependability, and performance. Many have tried to match Seiko's reputation but few have endured its staying power. Consumer needs change almost daily and Seiko changes right along with them ( in many cases ahead of them), re-inventing the watch and what it can do. As a fashion statement, Seiko is a cut above its competition, with its UC 2000 computer functioning watch, the Lumibrite and the Ultimate Kinetic Chronograph.

Maintaining its reputation as a kingpin of watch sellers in Japan and worldwide, Seiko is alive in over 60 countries and in 2008 reportedly profited five billion Yen. With it knowledge of keeping perfect time and its reputation for endurance, Seiko was granted the official timer status for the 1964 Tokyo Olympics. In 1968 its durability was responsible for receiving the award for "Best Mechanical Wrist Chronometer" with the highest score ever earned.

With so many years in production and as many different models, finding the right Seiko watch to fit your lifestyle, could present a dilemma, however, here are a few models you may wish to consider. Coutura Kinetic Perpetual snp008, Black Dial Yellow Gold Plated srkz90 and Black/Rose Gold Alarm Chrono snac42 all from the Coutura Collection.

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To be clear about what success is must be the first step to achieving success.

So far, the best definition I have come across is: "Success is the completion of anything intended." In other words success is finishing what you planned to do.

Even robbing a bank is a kind of success if that is what you wished to do. However, you probably did not intend to end up in prison!

The above definition of success shines a light on failure and success. Make a plan and follow it and you will have succeeded. Make a plan and do not follow it and you will have failed.

This gives a yard stick for judging every day of our lives. We can say at the end of the day "I have failed" or "I have succeeded."

This may seem very obvious but it is amazing that only about 85% of the human race end up doing what they intended.

I asked several people what they thought success was. One person said that "Success is making loads of money." Another said that success is "Achieving your goals". Some one else said that success is "Fulfilling your potential". An interesting answer was that success is "Making others jealous".

Brian Tracy agrees with the connection between success and goals. He has said "Success is goals, and all else is commentary." Tracy believes that people with clear, written goals, accomplish far more in a shorter period of time than people without them.

Stuart Goldsmith in "The Midas Method" has an important section on how to set goals so that they are achieved using the full power of the subconscious mind.

Maria Nemeth gives this definition of success: "Doing what you said you would do, with ease".

"Doing what you said you would do" is currently not achieved by the majority of the human race especially politicians! Doing it with ease is achieved by even fewer and requires making the most of the subconscious mind.

Jim Rohn argues that success is just a few simple disciplines practised daily.

The power of daily discipline is HUGE. Because the discipline is practised daily the effect is cumulative. The good practice is carried out 365 times a year with, perhaps, a few lapses.

It cannot fail to have tremendous influence. Once the discipline becomes a daily habit, it can be forgotten about until the rewards start coming in.

The writer who writes every day has written well over 300 pages by the end of the year. If he or she does not write every day they lose momentum and inspiration. If they keep up the writing (even just a few words a day) a magnet for relevant thoughts develops.

Recently a Liverpool student of American media studies applied for 600 jobs and received only one interview which he failed. He decided to write a novel. He determined to complete ten pages a day. He worked in the evenings at a dead end job to make money and then wrote until about 5 in the morning at his novel which has now become famous. It also looks like becoming a Hollywood blockbuster film.

He points out that if you write only one page a day for 100 days you can write a screen play. He wrote his novel by studying the structure of two other novels and noticing how they were structured and wrote his screenplay after studying video of films and noticing how long each scene lasted before there was a change.

I can't remember his name or the name of his book as I just happened to hear part of his interview on television.

The practice of daily disciplines alone can change our lives totally. Another benefit of daily disciplines is that they quickly create habits and habits create character.

A great quote by Jim Ryun, the American Athlete, is as follows

"Motivation is what gets you started.
Habit is what keeps you going"

Another brilliant quote is:

"Try not to become a man of success but rather try to become a man of value."

Albert Einstein

The next quote says more or less the same thing:

"Success usually comes to those who are too busy to be looking for it." Henry David Thoreau

Many would argue that success is not about making money but about developing oneself into a person who is valuable to others.

However, this quite often will lead to making money because people will pay for value. Any one who is very good at their job can usually command whatever pay they wish.

Adam Hollioake is one of the most successful English county cricket captains. He realised what is important in life when his brother Ben was killed in a car accident in Perth Australia. Adam learned that he should be kind to people and have fun and "that's what life is about."

His view of success in cricket is not necessarily winning. He is not afraid to lose a cricket match. He is only concerned that his team put 100% effort into the game. He comments:

"If we do put that effort in we usually win anyway".

Success then is putting in 100% effort whatever the results. More often than not, however, the results will be excellent.

Michael Angier has a great definition of success.

"Success is the result of steadily taking action on our most important goals. When we consistently focus our energies and our efforts upon what matters most, we can't help but be successful".

Angier also admires Ralph Waldo Emerson's comments on success:

"To laugh often and much; to win the respect of intelligent people and the affection of children; to earn the appreciation of honest critics and endure the betrayal of false friends; to appreciate beauty; to find the best in others; to leave the world a bit better, whether by healthy child, a garden patch, or a redeemed social condition; to know even one life has breathed easier because you have lived; this is to have succeeded."

What are the causes of failure and success?

William James, the great American psychologist, puts failure down to lack of faith in one self

"There is but one cause of human failure. And that is man's lack of faith in his true self."

Faith in one self is a huge part of success. Stuart Goldsmith in "The Midas Method" talks about two kinds of belief that are necessary for success. You must believe that you deserve to succeed and you must believe that you have the ability to succeed.

Another big cause of success is discipline.

"The ability to discipline yourself to delay gratification in the short term in order to enjoy greater rewards in the long term is the indispensable prerequisite for success." Brian Tracy

Another cause is the willingness to try to succeed even if the possibility of success is remote.

"Far away in the sunshine are my highest aspirations. I may not reach them, but I can look up and see the beauty, believe in them and try to follow where they lead."

Louisa May Alcott (1832-1888) American Writer

My computer guru, Danny believes that you should hold on to your dream in all circumstances and never let go. Grab hold of your vision with an iron fist and even if you are down on your luck and in the gutter never give up.

Danny himself has held on to a dream for 22 years. His dream is to develop the best languages translator in the world.

It does not matter if you are 72 - grab hold of your dream. Actually visualize your hand holding on to that dream. Too many people are worn down by life and give up their dreams.

Every dream is personal but the principle is the same. You are an idiot if you let go. You have to have a reason for living. Set yourself a goal and never let go until you die.

There is nothing you can't do. If you can't swim 10 lengths without a rest, train for a few months and you will be able to swim 50 lengths.

Danny's comments about swimming reminded me about how little is taught at school about how training can improve your abilities.

At my school in the Isle of Man, there was an annual half mile swim in the sea. I knew I would drown if I attempted this but no one ever suggested that I start training hard so that I would be capable of completing the swim.

I was just classified as someone who could not do the swim. It did not occur to me that through determined training I would be able to do what I could not previously do.

When Danny was young he was a skinny weakling. But one day he decided that this was not a good thing. He filled out and did some weight training and set up his own fitness, strength and flexibility routine.

He performs this every other day. This avoids the boredom of a daily routine. He does 200 situps, 30-50 leg raises and three or four sets of 20-30 bench presses.

He also does 2 sets of 20 or 30 squats with dumbells to develop leg power. The dumbbells avoid the danger of overbalancing with a barbell across your shoulders. There is also little likelihood that you will drop the dumbbells on children or family pets! Dumbells allow for greater control than barbells.

Danny's advice for success is to do something. If in doubt, read a book. The worst thing you can do is sit on your backside watching TV. If you do, nothing will ever happen. He notes the hypnotic effect of TV on the spectators. Danny seldom ever watches TV.

Danny also is impressed by Arnold Schwarzenegger who has just been elected Governor of California. If Arnold wants something, he does what is necessary to get that thing. If he had to eat 50 mars bars, he would eat them. If he had to stand stark naked on his head in a field for half an hour he would.

This is an example to us all. If you have to put stamps on thousands of envelopes to send out your direct mail sales letters, you just have to do it.

The basic principle is that you have to do what is required. Some things require certain actions to achieve them and you have to do them whether you like doing them or not.

It is no good saying I want to be Governor of California but I don't want to do any public speaking or travel on the campaign trail or be friendly to thousands of people you don't like. You have to pick up babies and smile at people you may not like.

If you want to be rich you have to do those things which will make you rich. It's no good saying "I don't really want to do it." Danny gives himself a virtual smack round the head every time he is tempted to give up on his projects.

Some people think they will make money by taking short cuts like suing people or fraud. The world would be a much better place if people just got on with doing what they had to do.

Many successful people stress the importance of action in achieving success.

Michael Masterson of the Ezine "Early to Rise" writes:"Action is the key to success, and failure to act is the reason most people will never achieve the kind of success they dream about"

Another approach to achieving success is to stay cool about it. Just get on with doing what you think is important and what you love to do.

"Don't aim for success if you want it; just do what you love and believe in, and it will come naturally." Sir David Frost

Elvis Presley gave his cousin Donna some advice to help her achieve her goals for the future. It seems good advice to me:

Donna's best memory of Elvis was when she was 18 and she spoke to him one on one. He asked her about her plans for the future and told her she could achieve anything she wanted "so long as you have faith in God;have faith in yourself; work hard and never let anyone tell you, you can't do something".

Elvis himself had plenty of discouragement which he successfully ignored. The later part of his life was not too successful but as Donna commented, we should focus on what he did achieve which was amazing.

Peter Vidmar explains how he achieved success at the Olympic Games:

"There's only two things I had to do to win the Olympic gold: Train when I wanted to, and train when I didn't."

This is possibly my favourite quote of all time. It sums up the essence of success and the will power and discipline necessary to achieve it. Sometimes training will be easy but sometimes it will take effort because one really does not feel like training. This is simple and beautifully easy to understand.

Another quote I like is concerned with the kind of success which depends on people liking your work or product. Don't worry about whether they will like your work. Just do your best and leave the liking or disliking up to them.

"Success has a simple formula: 'Do your best and people may like it'".

Sam Ewing

Any success involves some kind of cost; usually some boring work is involved as suggested in the following quote. The word 'drudgery' sums this kind of work up exactly. Almost any kind of business involves marketing and marketing is the last thing many businessmen enjoy doing.

"Success is the child of drudgery and perseverance. It cannot be coaxed or bribed; pay the price and it is yours".

Orison Swett Marden, 1850-1924.

Mike Litman comes up with golden statements frequently. Here is just one of them:

"The biggest secret of success in life is: You don't have to get it right; you just have to get it going. Perfectionism can kill success. We never get going because we are always waiting to get everything just right. Instead, let's get going."

One success breeds another. Bobby Robson, now over 70, is one of Britain's most successful managers. He should know what creates success. He recently commented about his team's performances:

"Success breeds success"

This makes sense. Write one successful book and you will have the confidence to write another. A lady over 70 wrote a book about overcoming the pain of arthritis. It was a huge success to her total amazement and made hundreds of thousands of dollars. Not surprisingly she has now written two more books.

Success is a key goal for most people but it helps to have a clear idea of what success means to you. I hope this article will have shed some light on possible definitions of success and provided some ideas about how you can achieve your kind of success. 2500

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